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3-in-1 Account - Mutual Funds

3-in-1 account offers you a simple and convenient way to invest in mutual funds both online and offline in leading AMCs in India

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A Mutual Fund is a trust / company that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. A Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost. Mutual Funds are a professionally managed trust that collects funds from multiple investors to invest in securities like stocks, bonds, money markets and commodities.

The highlighted features of 3 in 1 Account for Mutual Funds:

  • Mutual Funds are a professionally managed trust that collects funds from multiple investors to invest in securities like stocks, bonds, money markets and commodities.

features and benefits

No Complex IPO Application Forms

No complex IPO application forms to fill and submit. No paperwork.

No complex IPO application forms to fill and submit. No paperwork.

YES Bank Securities offers you an easy way to go public. No complex forms to fill, no paperwork. Our experts will help you get online and go public.

Low Investment Threshold

Investing in Mutual Funds helps you create a diversified portfolio for as little as INR 5000.

  • Investing in Mutual Funds helps you create a diversified portfolio for as little as INR 5000. Plus, with a no-load fund, you pay very little or no sales charges to own them.

  • Some bonds and Fixed Deposits have a minimum deposit of INR 25,000. If you invest that amount in a Mutual Fund, then in turn that money can be used to invest in the same bonds or fixed deposit with as little a fee as INR 1000

Simple And Convenient

Investing in Mutual Funds offer convenience like no other

Investing in Mutual Funds offer convenience like no other:

  • Less paperwork with transactions

  • Less energy spent in researching the stocks you want to invest in

  • Less time spent in actual market monitoring and transactions

  • Investing in a Mutual Fund is as simple as going online and placing an order to buy. Plus, within a Mututal Fund family, you can choose to move your funds easily. This means your portfolio remains balanced as you respond to economic changes and fund management.

Liquidity

There is a number of Mutual Fund schemes you can invest in, and within each fund, a huge range of industries and sectors and different kind of assets.

  • In Mutual Funds, you can get your money back at any point in time at the prevailing NAV (Net Asset Value) in open ended schemes. Compared with a fixed deposit or a bond of a fixed duration, the Mutual Fund then becomes highly liquid.

  • There is a number of Mutual Fund schemes you can invest in, and within each fund, a huge range of industries and sectors and different kind of assets. You will be able to find a Mutual Fund to match just about any investment strategy you select

  • There are funds that focus on blue-chip stocks, technology stocks, bonds, or a mix of stocks and bonds. In fact, the greatest challenge can be sorting through the variety and picking the best for you.

Transparency

SEBI regulations for mutual funds have made the industry very transparent.

  • SEBI regulations for mutual funds have made the industry very transparent. You can track the investments, know sectors and investments in stocks that have been made on your behalf.

  • In addition, you get regular updates on the value of your investment. Mutual Funds are mandated to publish the details of their portfolio regularly.

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Q. What is Net Asset Value and how is it calculated?

A. Net Asset Value (NAV) shows you how a particular scheme of a Mutual Fund is performing. Mutual funds invest the money collected from the investors in the securities markets. In simple words, Net Asset Value is the market value of all the securities held by the scheme. As an investor, you will be issued units by the Mutual Fund. You will then become a unit-holder. This is akin to a shareholding buying stocks. NAV is measured on a per-unit basis. Since market value of securities changes every day, NAV of a scheme also varies on day-to-day basis. NAV is calculated by dividing the total net assets by the total number of units issued. Total net assets is the market value of all the assets a mutual fund holds, less any liabilities, as of a certain date. For example, if the market value of securities of a mutual fund scheme is Rs 200 crore and it has issued 10 crore units to investors, then the fund’s NAV per unit is Rs 20. NAV is required to be disclosed by mutual funds on a regular basis – either daily or weekly depending on the type of scheme.

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Q. How do Mutual Funds handle my money? How do I get profits Mutual Funds earn for me?

A. Mutual Funds pool money from investors and use this money to buy assets like stocks, bonds and other securities (together called Assets Under Management or AUM). The returns are given as dividends (accessible as soon as they are distributed) and as increase in value (you can utilize this only when you sell the Mutual Fund unit). The dividends can be re-invested and you buy more MF units in the scheme, or you can choose the payout option when the dividend gets credited to your bank account. To make things easier, there is an automatic re-investment option where you sign up for purchase of additional shares using dividends automatically. Apart from dividends, Mutual Funds distribute the profits they make from selling some of the underlying assets at higher values. This is called capital gains distribution. You can use this to reinvest in more MF units.

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